PIFC’s Priorities


California’s rules for establishing home and auto insurance rates are uniquely complicated. But, in this case, being different is not a badge of honor.

Creating a fair system for calculating adequate insurance rates is one of the most important issues to PIFC.  Without a reasonable and predictable ratemaking process, California consumers have fewer choices than are available in other states, with much less ability to find the products, services, premium, and coverages that best fit their individual and family needs.

California’s insurance rating law has not been updated in nearly 30 years, despite dramatic advancements in the auto industry, computer technology, and analytics. The current law, established by ballot measure (Proposition 103) in
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